21st Century Insurance:
for Super Visa & Visitors to Canada

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Summary of Benefits
Eligibility Requirements
How to Get a Refund
How to Make a Claim

Monthly Plan: Effective December 7, 2022 – Monthly Payment
Plans for Super Visa insurance policies are once again being officially accepted by IRCC.
COVID-19 Notice: Please stay up to date with the latest
policy changes concerning COVID-19 coverage and eligibility requirements by using the following link –
COVID-19 Insurance Updates
Summary of Benefits
Benefit
Basic Plan
Standard & Enhanced
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning
Canadians and IEC
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning
Canadians and IEC
Coverage Amounts
$15,000 / $25,000 / $50,0000 / $100,000 / $150,000 / $200,000
$15,000 / $25,000 / $50,0000 / $100,000 / $150,000 / $200,000
Emergency Hospitalization
Physician’s Services
Local Ambulance Transportation
Diagnostic and Laboratory Tests
Emergency Return Home / Repatriation
Medical Report Request
Rental of Medical Appliances
Up to $5,000 (Combined with Private Duty Nurse benefit)
Up to $5,000 (Combined with Private Duty Nurse benefit)
Private Duty Nurse & Home Care Provider
Up to $5,000 (Combined with Medical Appliances benefit)
Up to $5,000 (Combined with Medical Appliances benefit)
Prescription Medication
Up to $500 / 30-day Supply
Up to $500 / 30-day Supply
Repair of Accidental Dental Damage
Up to $4,000
Dental Pain Relief Benefit
Up to $300
Repatriation / Cremation / Burial
Up to $7,500
Up to $7,500
Follow Up Visits
Unlimited
Unlimited
Services of Paramedical Practitioners
Up to $1,000
Up to $1,000
Extra Injury Coverage
$50,000 if coverage amount is $100,000 or more
Accidental Death
Up to $25,000
Single / Double Dismemberment
Up to $25,000 / Up to $12,500
Changing the Effective Date:
If you purchased a Visitors or Super Visa insurance policy with a one-time full payment option and
need to change the Effective Date / Start Date, you can send us your request BEFORE
your coverage begins i.e. before the current Effective Date on your insurance policy confirmation
document.

Please note that date changes can only be made before your coverage begins.

Side-Trips Benefit:
Please note that in order to be eligible for Side-Trips insurance benefit, you MUST
NOT
exceed a total of 30 days outside Canada during a single year (365 days), except your
country of origin, where medical care cost are not covered by 21st Century at all.

You must also physically remain or plan to remain in Canada for 51% of your insurance coverage
period.

Trip-break Exclusion: Trip-Breaks Benefit is only available to Super Visa holders,
who decide to visit their home country and intend to come back to Canada without cancelling
insurance coverage provided by the 21st Century.

Deductible:
Unlike other Canadian medical insurance providers, 21 Century has per policy deductible, which does
not require you to pay the set amount of deductible in case of any claim you make other than the
first one.
Travel to Canada & Back Home Coverage:
With a 21st Century’s Visitors to Canada medical emergency insurance, your policy will cover
uninterrupted flight (including stop-over / connecting flight, if you are not leaving the airport)
on your way to Canada.

The coverage is provided, if your arrival and effective dates are the same, and the policy expires
by the time you land in your country of origin or permanent residence, provided that the expiry date
and the date you land back home match.

Waiting Period:
Waiting Period is NOT applicable to anyone, who have purchased their insurance before coming to
Canada and adjusted the Effective date to the actual arrival date or has extended the policy
coverage with no gap.

Waiting Period applies due to the following:

– Policy is purchased after the Date of Arrival in Canada.
– Policy is purchased before or after arrival in Canada and insured person failed to notify us when
they have actually arrived, unless the arrival date matches the effective date of the insurance
policy.
– Insured person requests to change the deductible amount, sum insured and/or add or exclude Stable
Pre-existing Conditions Coverage, if renewing the policy with no gap in coverage.

Waiting Periods:

– 72 hours – The insurance policy is purchased / activated within the first 30 days after your
arrival in Canada.
– 7 days – You buy / activate the policy after the first 30 days of your arrival in Canada.
– 15 days – You are age 86 or over and you purchase / activate your insurance plan with 21 Century
after your arrival date.

Important Notice: Expenses related to any sickness that manifests itself during the
waiting period are not covered under this insurance plan, even if the costs are incurred after the
waiting period has ended.

In case you have stayed in Canada for a while being covered under the 21st Century insurance plan
for Visitors to Canada / Super Visa or with a coverage plan from another insurance provider in
Canada, and you are renewing your emergency health care coverage, you are allowed to request to have
the waiting period waived as long as your policy renewal is done prior to the expiry date of your
current insurance policy.

Policy Wording:
Policy Wording is an official document issued by the 21 Century, outlining and explaining your
coverage benefits, eligibility requirements, exclusions and limitations applicable to your insurance
as well as instructions on how to request a refund and submit a claim.

Read this document carefully before you purchase the product in order to clarify any confusions you
might have in regards to the medical emergency coverage 21st Century provides for Visitors to
Canada.

Click to View – Standard & Enhanced Plan |
Policy Wording

Click to View – Basic Plan | Policy Wording

Eligibility Requirements
You are not eligible for the 21st Century travel insurance policy in
case:

– You have been advised not to travel by a physician.
– You have been diagnosed with a terminal illness with less than 2 (two) years to live.
– You have been diagnosed with or received treatment for lung, liver, brain, pancreatic cancer in
the last 2 (two) years.
– You have ever been diagnosed with any other type of metastatic cancer.
– You have been prescribed and/or using home oxygen during the 12 months period (before the date you
apply for coverage).
– You have had / waiting for a bone marrow or organ transplant (excluding corneal transplant).
– You have a kidney condition that requires dialysis.
– You reside in a care/nursing home or rehabilitation facilities.

Age and Coverage Period Restrictions:

If you are 86 years old or older, you will not be eligible for the 21st Century travel
insurance Standard and Enhanced plans. You can select Basic Plan instead.
Please contact our Insurance Advisors for more information.

Pre-Existing Medical Conditions Coverage:
In order to apply for a policy that covers pre-existing medical conditions, you need
to meet the following requirements:

– Applicants age up to 54 y.o: Coverage for pre-existing medical conditions
is automatically included in the policy with Enhanced Plan. Please note that only those
pre-existing medical conditions that are stable for at least 180 days immediately prior to
the Effective Date of the policy are covered.

– Applicants age 55 to 85 y.o.: Coverage for pre-existing medical
conditions has to be selected in order to included it in the policy. Please note that only
those pre-existing medical conditions that are stable for at least 180 days immediately
prior to the Effective Date of the policy are covered. You will also be required to complete
a Medical Questionnaire in order to determine your eligibility for such coverage.

– Applicants age 85 and over: Pre-existing medical conditions coverage is
not available.

In order to learn more about pre-existing medical conditions coverage, please refer to the
Policy Wording or contact our Insurance Advisors.

How to Get a Refund
You can apply for a refund if you are unable to travel to Canada, for early departure or if you
become eligible for provincial insurance prior to the expiry date of your policy.

Please note that a document confirming the reason for cancellation will be required when you send your
request i.e. copy of a Boarding Pass, Visa Denial Letter or other eligible documentation. You will also
need to fill out a Cancellation Form.

Full Premium Refunds:
You can request a Full Refund of the insurance premium in case:

– You have applied for a travel Visa i.e. Super Visa, and it was rejected.
– You have formally withdrawn your travel visa application.

Refund is subject to a $25 cancellation fee per person insured.

All other requests for premium refunds due to not travelling to Canada should be submitted for
approval to the 21 Century office.

Partial Premium Refunds:
Requests for Partial Refunds are only issued, if:

– You return to your country of origin before the insurance policy expires.
– You become eligible to receive health care under the Provincial Medical Plan.

A cancellation fee of $25 per person will apply.

If you are applying for a Partial Refund and:

– Have a claim that has been paid or has been reported but not yet paid.
– The total amount of all reported eligible expenses will not exceed the Deductible Amount.

You may apply to have such claim(s) withdrawn, subject to a file handling fee of $300 per claim.
If you had a denied claim on your file, then a handling fee is $500 per claim.

Once these claims have been withdrawn in order to apply for a premium refund, no further
expenses for your medical care will be accepted for consideration, regardless of the date the
expense was incurred. Moreover, the file handling fee will be deducted from any amount to be
refunded.

 
In order to request a refund, please contact one of our Insurance Advisors.

How to make a Claim
In case of a medical emergency, you or someone on your behalf has to notify Assistance Center prior to
making a claim, if it is possible. Failure to contact 21 Century will reduce the payable insurance
premiums by 20%, which you will have pay out of pocket to a medical specialist or a facility you have
received medical treatment at.

Please note that a late claim fee of $100 per claim will apply if you do not notify the Emergency
Assistance Center of a claim within 24 hours of occurrence.

21 Century Assistance Center is available 24-hours a day, 7 days a week.

– Toll-Free – 1-877-882-2957 (within Canada & USA)
– Collect – 1-519-251-7856 (Canada)

Claim Submission:

In order to file a claim you will need to submit the following:

– Complete Claim Form;
– Policy Number;
– Proof of all travel dates (airplane ticket, passport or visa);
– Original itemized medical receipts, bills and invoices;
– Proof of payment, in case you have paid for the claim;
– Complete medical and hospital records;
– If it was a motor vehicle accident, submit a copy of a police report;
– If a claim is under Accidental Death & Dismemberment, you need to submit:
a) Police, autopsy or coroner’s report;
b) Medical Records;
c) Death Certificate;

Detailed instructions on how to make a claim are outlined in the Policy Wording.

Need help deciding?
Select the best way to get in touch with our Insurance Advisors and let’s discuss your insurance options today!
Available Weekdays | 9 am-6 pm PST
Testimonials

Penelope FlutePenelope Flute
18:21 26 Nov 24
Very responsive, very knowledgeable and Lea made the whole process incredibly easy and answered all my questions professionally and politely with lots of patience! Great service, thank you!
Oliver Bal-otOliver Bal-ot
22:05 04 Nov 24
Leah a representative for Arbetov Insurance & Wealth Management Inc is an exceptional person. We Thank you very much for your time and effort. I’ll be honest. You were the only person out of all the insurance agents/brokers that I dealt with, that did all that leg work for my wife, her mother(insured) and her family. You take pride and integrity into your work and it shows. We can’t thank you enough. My family has peace of mind going forward. Now our Mother/Sister/Grandmother now has her Visitors to Canada insurance with her Super Visa. We forward in working with you again in the future, now her visit with will be great! We thank you again!
K. Ay (Sara)K. Ay (Sara)
19:01 04 Oct 24
They have the best deals, very responsive staff. It only takes a minute, highly recommend especially for Super Visa applications! No fuss!
Jap BondocJap Bondoc
19:11 27 Sep 24
Great insurance provider! Leah is amazing!
malek javedaltafmalek javedaltaf
16:43 09 May 24
Best option for visit visa holder. Really great team, very supportive and responsive. Will recommend Arbetov as first option.
babatunde odubanjobabatunde odubanjo
14:26 06 May 24
Excellent customer service, considerate and passionate insurance provider in resolving your issues and ensuring every party is happy in providing services.
SalmanSalman
21:55 23 Apr 24
Excellent service from Lea.
Dhananjaya NeelkantDhananjaya Neelkant
20:01 09 Apr 24
Excellent customer service! Thanks Lea.
James EnsorJames Ensor
23:33 18 Mar 24
Fahim SaberFahim Saber
22:07 17 Dec 23
I have had the most seamless smoothest experience ever with this insurance company. Every change I had to make regarding my parents supervisa medical insurance was processed quickly with no complications. They have been understanding of my situation through all the ups and downs over the last few years including the difficult and complex covid periods. Particular kudos to Lea for making this complicated insurance experience a siimple and stress free process for me.
Igor KiselyovIgor Kiselyov
19:59 23 Nov 23
Great service, efficient communication, and a really easy way to get insurance with lots of help and support to get the right deal.
Colin TaylorColin Taylor
18:34 21 Nov 23
I have purchased a few policies with Lea, and each time the service was great! The last one took less than 10 minutes to complete!The polices itself are also good, as we have not had any problems with claims so far.
A LA L
00:18 15 Nov 23
I have purchased parents visitor insurance twice from Arbetov. I got fast and patient response from Lea. Her professional attitude makes me confident to trust Arbetov. I will repurchase from this company.
Salinda RathnayekaSalinda Rathnayeka
19:26 10 Nov 23
I have been purchased travel insurances for my parents multiple times and they are super friendly and very helpful. Mainly, in contacted with Lea, helped me to find the correct cost effective products.
Anastasia YakubovskaAnastasia Yakubovska
17:12 08 Nov 23
Great fast service, have been with them for a few years now. Good options for insurance!
Natali ChizikNatali Chizik
18:08 06 Nov 23
Extremely nice and efficient staff! My go to for insurance
Gina BautistaGina Bautista
20:41 19 Jun 23
We purchased Supervisa insurance through Arbetov Insurance many times and they have been very helpful since the very start, especially Eugene and Lea.Highly recommended!!
Lai ReyesLai Reyes
22:31 15 Mar 23
My whole experience with Arbetov was very pleasant. From the purchase and payment down to the refund request. Credits and many thanks to Lea as she was the one who assisted me with everything. She was just so responsive and very helpful all throughout! 🙂
yasir aliyasir ali
15:02 03 Nov 22
Lea was very helpful and friendly. It was a great experience.
Ella KnurikElla Knurik
21:21 20 Aug 22
Lea provided a great and professional service and helped us to find the best medical insurance for us.
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Please note that the above information is only a summarized version of
covered benefits and conditions detailed in the official Policy Wording issued by the 21st Century
Travel Insurance Limited.
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